We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 70137 results
-
Decision Reference DRN2055750
2 Mar 2015 National Westminster Bank Plc UpheldPayment protection insurance (PPI)Mr D’s complaint is about the sale of th re e single premium payment protection insurance (PPI) policies. These were sold alongside three loans in a chain, each loan refinancing the previous one.Mr D says National Westminster Bank Plc (Nat West) mis-sold the PPI policies to him.Nat We... (6 pages)View decision -
Decision Reference DRN-1210527
21 Apr 2020 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-1210527The complaintMr A complains that National Westminster Bank Plc ("NatWest") unfairly recorded a default marker on his credit file, following its decision to write off a debt. What happenedMr A says NatWest closed his current account without warning and asked for repayme... (2 pages)View decision -
Decision Reference DRN2384614
9 Jan 2014 The Royal Bank of Scotland Plc Not upheldBanking and creditMr A complains that The Royal Bank of Scotland Plc (“RBS”):-Failed to update his address and then sent a replacement credit card to his old address.- Failed to return his calls or respond to his requests for telephone call transcripts in a reasonable amount of time.-Unfairly pursued hi... (3 pages)View decision -
Decision Reference DRN-4933479
7 Aug 2024 Fairscore Ltd UpheldConsumer CreditDRN-4933479 The complaint Miss G complains that Fairscore Ltd lent to her irresponsibly. What happened Miss G took out three loans with Fairscore Ltd as follows: In May 2021 Miss G took out a loan for £7,000 repayable over 36 months at £269.46 per month. In October 2022 Miss G took out ... (3 pages)View decision -
Decision Reference DRN6106222
1 Aug 2013 The Royal Bank of Scotland Plc Not upheldBanking and creditMr W is unhappy that The Royal Bank of Scotland Plc transferred his debt between collection agents and that one of these did not respond to a verbal settlement offer he made. He requests that the debt be waived.our initial conclusionsThe adjudicator did not recommend that t... (2 pages)View decision -
Decision Reference DRN5707146
8 Mar 2019 Creation Consumer Finance Ltd Not upheldBanking and creditMr M complains that Creation Consumer Finance Ltd provided him with poor service and hasn’t treated him fairly. He wants it to write off the remaining balance on his account.background The background to this complaint is set out in my provisional decision dated 21 ... (7 pages)View decision -
Decision Reference DRN0009852
30 Apr 2020 MBNA Limited Not upheldPayment protection insurance (PPI)Mr D is unhappy with the amount of compensation MBNA Limited (MBNA) has paid to him for a mis-sold payment protection insurance (PPI) policy that was associated with his credit card.backgroundMr D opened his credit card in May 1995 and at the same time took out a PPI policy. When he compla... (3 pages)View decision -
Decision Reference DRN8667055
26 Apr 2016 Capital One (Europe) plc UpheldPayment protection insurance (PPI)Mr W is complaining that Capital One (Europe) plc (‘Capital One’) mis-sold him a payment protection insurance (‘PPI’) policy.backgroundMr W took out a PPI policy alongside a credit card in 1998. In 2000 Mr W missed four monthly repayments on his credit card. So, under ... (3 pages)View decision -
Decision Reference DRN-2783941
18 Feb 2022 Bamboo Limited Not upheldConsumer CreditDRN-2783941 The complaint Mr B complains Bamboo Limited irresponsibly lent to him. Mr B is represented by a claims management company. But for ease of reference; I’ll refer to all submissions if they were made by Mr B directly. What happened Bamboo approved Mr B for a £4,000 loan, with a t... (3 pages)View decision -
Decision Reference DRN4953311
20 Nov 2020 Madison CF UK Limited UpheldBanking and creditMr G has complained about a loan he took out with Madison CF UK Limited, trading as 118 118 Money. Mr G says it was irresponsible for the company to give him the loan as it should have been obvious he could not afford to pay it back. background I issued a provisional decision in this case ... (7 pages)View decision
